Trey on Nostr: The standard FIRE plan assumes you’ll have 10–15 years of income to save ...

The standard FIRE plan assumes you’ll have 10–15 years of income to save aggressively, invest wisely, and let compounding do its work.

But your income is the fuel for that entire plan, and AI puts its useful life at risk. If your accumulation window is really 5–7 years instead of 15, debating small differences in index fund allocations misses the bigger problem.

I don’t know whether AI brings inflationary displacement, a deflationary shock, or a productivity miracle. All three point toward more government spending and money creation. AI also threatens both sides of the FIRE equation: your contributions and your portfolio assumptions.

That’s why I see bitcoin as a rational hedge across these scenarios. It has a fixed supply, no counterparty risk, no management team, and no employer dependency. I’m treating my earning window as potentially shorter, measuring progress in BTC as well as dollars, and building skills that complement AI instead of competing with it.

If AI takes longer than expected, I’ve still accumulated a scarce asset. If the window closes faster, waiting carries a much higher cost.

Read the full three-scenario stress test and decide whether your FIRE plan can survive a shorter earning window: https://www.firebtc.io/p/your-biggest-asset-has-an-expiration